You say your Doberman is a love. He greets you when you come home with lots of doggy kisses. He is a dream when you take him for a walk, never barking or pulling at the leash. He’s great with kids, too, playful, stub of a tale wagging.


So why doesn’t your insurance company like him? A fact you discovered the hard way when you sought reasonable Illinois homeowners insurance quotes and didn’t get any.


The answer is: statistics.  Some breeds of dog—or mixes of that breed—are considered bite risks simply because on an annual basis, more bite claims are filed by their owners than filed by owners of other breeds.  Some dog breeds are bigger bite risks than others.


To an insurance company, there’s nothing to love about that, because it means medical costs and a possible lawsuit they may have to pay on. Or, YOU might have to pay if you are not covered by your homeowners insurance policy.


You may not know that many insurers will not give a policy to a homeowner who has dogs on an unofficial bite-risk list.  That’s right. If you’ve got a chow-chow, Akita, Dobie, Rottie, pit bull or even a Great Dane, you may find getting insured difficult.


You and your dog aren’t being personally targeted. It’s just business. Insurers want to minimize their costs in payouts and they can do that by restricting coverage if certain dogs are in the house.


It’s important that you disclose you dog’s breed to your insurer—because if you don’t, and he bites someone, you may be held personally liable. All medical expenses and even lawsuit payouts would have to come from your personal funds. So it’s not smart to withhold this information.


You might ask your insurer if they will cover you and your dog if you put him in a reputable training course. Or if you muzzle him when he is around people.  Every company is different.


It is entirely possible that you will be completely refused coverage by some insurers. Or you might find that coverage will be afforded you, but at a higher premium rate. Be prepared to pay higher premiums if your dog is on the frequent-bite list.


It’s something to think about before you adopt your next furry friend.



How important is customer service in Michigan homeowners insurance?  If you ask consumers who have had claims issue, the answer is “very.”  Think about it. When a homeowner suffers a catastrophic loss, it’s an emotional experience.  They’re worried that the item might not be covered or might not be covered in full.


This is especially true if they have suffered the loss of their home, perhaps by fire, windstorm or earthquake. Not only have all their prized possessions been destroyed, but so have photographs, heirlooms and other irreplaceable mementoes of their life until now. It’s not an easy thing, to lose everything. Just ask the people who suffered from Hurricane Sandy or Hurricane Katrina.  Many are still recovering emotionally.


But right after a loss? That’s the time when customer service counts the most.  Here are some of the customer service aspects to look into when you’re going out for the most reasonable Michigan homeowners insurance quotes from someone like this.  You’ll want to review customer reviews to see just how responsive these insurers are.


  1. After an emotional loss in which you fear a huge financial drain, you want an agent that responds quickly. You want to be able to reach someone right away and get your questions answered.
  2. You want your fears put to rest. Your insurance agent should be familiar with the limits of your coverage, understand the basics of your loss and quickly come up with a plan for you.
  3. A good agent will be able to work with you to put your mind at ease. That should be his or her main focus. Calming you and explaining the plan.
  4. He or she must be compassionate. You don’t want someone who is “all business” when you are without a home at all. You want someone who understand the level of upset you are experiencing and treats you accordingly.
  5. An agent must be understanding if you are panicking or short with them. After all, think of what you have been through. A good agent is someone who can keep calm in the face of consumer pushback of any kind.
  6. Claims need to be processed as quickly as possible after a catastrophic loss and a good agent understands that. When you have lost everything it’s critically important to get some semblance of normalcy back—not to mention a roof over your head, clothing and necessities.



There are two ways to shop for Carolina auto insurance. Both will provide good results, but both will not require equal amounts of time and energy. To help you learn about these methods, we’ve created a sensible quick guide.

Which Method is Right for You?

The first method is the old-fashioned method, which involves calling insurance companies, setting up meetings with agents and deciding which firm offers the best deal.

The second method is shopping for Carolina auto insurance online on a website. This is definitely the fastest and most efficient way to compare quotations for insurance policies without needing to leave your home. You may even hunt for a great deal via your smart phone or other electronic toy, so this strategy definitely provides the flexibility that most modern consumers want!

If you choose the first method, you can utilize the Internet in order to access addresses of insurance companies that serve your State, as well as phone numbers and fax numbers. Of course, the Yellow Pages are also an option. However, there’s really no reason not to embrace the convenience and ease of shopping for Carolina auto insurance online!

When you do shop online, you’ll be able to do targeted searches for relevant providers, compare policy features and access quick quotes which don’t require meetings and phone calls. Most good insurance companies now offer their online clients access to free and fast quote generators. To use these, just type in some required information and submit it. These types of apps make it so simple to see who’s offering more auto insurance for a lower price.

You Need Adequate Coverage

Naturally, price isn’t the only consideration. You need coverage, and, quite often, paying more for this type of protection is a smart and cost-effective decision. For example, if you buy a basic policy that doesn’t feature collision coverage and you do get in a collision, you may wish that you’d spent more in order to access this type of coverage. So, you should balance your desire for economy with a long view about what may happen while you’re on the road.

Most people don’t think that they are going to get into car accidents. However, many do, and comprehensive auto insurance is the best kind to have when accidents happen. The most protective policies also feature liability coverage, which limits the financial damage that an accident-related lawsuit can do.

Now that you know the facts, why not shop for the perfect auto insurance policy?

Cell phones are now firmly implanted into our culture—and our hands. It is normally a good thing. But here’s one place they shouldn’t be implanted into our hands –while driving a motor vehicle.  Many states have mandated only hands free operation of cellphones while driving, but even then, they can be a big distraction.  If you are reluctant to give up your phone at the wheel, here are a few sobering facts.


Using a cell phone while driving causes some 1.6 million accidents each year. That is a huge number—accidents that wouldn’t have happened pre-cell phone.  Some 330,000 people are injured in accidents that were caused by texting while driving.  In fact, 25 percent of U.S. car crashes are caused by texting and driving. Not convinced?


Ok then, texting at the wheel is six times more likely to cause an accident than driving drunk.  If you write a text, that takes about five seconds. Five seconds when your eyes and attention are not on the road. It doesn’t seem like a lot, but imagine driving the length of a football field—blind. That’s what it’s like.


While talking on the phone is distracting, texting is by far the most lethal activity. And even though more than 90 percent of drivers support a ban on texting at the wheel, many still do it.


So if saving your life or someone else’s doesn’t convince you, what about the financial impact? Any time you have an accident you risk higher insurance premiums, as you will discover when you get Pennsylvania car insurance quotes from this website. Because insurance companies do not like to have customers who take risks.


One of the two biggest factors in your insurance premium is your claim history. Any time you have an accident that is reported to your insurance company, it has an opportunity to adjust your premium. Too many of these and your costs could go sky high.  The other factor is your individual driving record. If you are charged with negligent driving, you are going to see the impact on what you pay for your policy.


Cell phones are an amazing convenience and have made our lives much easier. But they absolutely do not belong in your hand when driving. Think long and hard about this. Do you need to make some changes in your usage habits while driving?